Property Adj Large Loss
$123,078–$150,428 year
On-siteSan Francisco, California, United States
San Francisco, California, United StatesOn-siteFull Time$123,078–$150,428 yearSenior LevelLarge
Full TimeSenior LevelLarge
Job Summary
Conduct on-site inspections of damaged properties, including roofs and attics, to assess scope, severity, and repair considerations for high-severity property claims exceeding $250,000. Investigate loss origin and cause, evaluate coverage against policy language, and prepare detailed estimates using Xactimate and virtual collaboration tools. Negotiate settlement scope and pricing with policyholders, contractors, and public adjusters while managing reserves within assigned authority. Partner with internal stakeholders such as SIU, legal, and vendors to resolve complex files involving litigation, subrogation, or fraud indicators. Provide technical guidance and mentorship to less experienced team members as requested.
Required Qualifications
- Bachelor's degree preferred, or equivalent combination of education and relevant related experience
- 7 or more years of successful property claims handling experience investigating, estimating, negotiating, and resolving high-severity property claims
- Prior field adjusting experience involving on-site inspections and detailed estimate writing
- Experience handling losses involving multiple trades, substantial structural damage, ALE, contents, represented files, appraisal, litigation, subrogation or salvage considerations
- Experience coordinating and interpreting expert reports, including structural engineering plans, architectural drawings, and other technical claim documentation
- Experience working directly for an insurance carrier, independent adjusting firm, or similar property claims organization in a large-loss capacity
- As a condition of employment hold and maintain required state adjuster licensing as applicable
- Hold and maintain all required continuing education and adjuster licensing compliance
- Hold and maintain a valid driver's license and driving record that meets Company standards
- Advanced knowledge of property claim investigation, coverage analysis, estimating, negotiation, and settlement practices
- Strong working knowledge of residential construction methods, repair sequencing, building materials, and applicable estimating standards
- Strong technical proficiency with Xactimate and related claims or estimating systems
- Ability to independently evaluate high-value, high-exposure claims and make sound decisions within authority
- Strong written, verbal, negotiation, and interpersonal communication skills to provide exceptional customer service
- Experience in identifying and referring potentially fraudulent claims to SIU for further investigation
- Strong analytical ability, sound judgment, attention to detail, and organizational skills
- Ability to travel regularly for field inspections and claim-related meetings
- Ability to use video, mobile, and other digital tools to support virtual claim handling and collaboration
- Ability to manage competing priorities in a fast-paced environment while maintaining accuracy, responsiveness, and professionalism
- Must be able to operate a computer, laptop, mobile phone, and other Company issued devices for extended periods
- Must be able to communicate electronically, telephonically, and in person with customers, team members, and external partners
- Must be able to drive to inspection locations and travel as business needs require
- Must be able to inspect residential properties in a field environment, which may include standing, walking, bending, reaching, climbing ladders, navigating uneven terrain, entering confined spaces, and accessing roofs or elevated surfaces when necessary and consistent with safety expectations
- Must be able to lift, carry, push, or pull equipment and materials reasonably associated with field inspections
Desired Qualifications
- Prior commercial claims handling preferred but not required
- Industry designations or certifications such as AIC, CPCU, SCLA, IICRC, or similar credentials relevant to property claims, estimating, or restoration
- Level 2 or Above Xactimate Certification
- Demonstrated ability to mentor others, provide technical guidance, and contribute to continuous improvement
- Experience coordinating with experts, engineers, contractors, public adjusters, attorneys, and independent adjusters on complex claims
- Experience handling Catastrophe related property losses or surge volumes
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